Pioneer Appalachia Federal Credit Union
Major Rating Factors:
A current level of 1.3 percent of nonperforming loans to core capital combined with 1.8 percent from a year earlier contributes to the Excellent asset quality (9.9). Excellent current capitalization (8.6 on a scale of 0 to 10) based on a net capital to total assets of 10.6 and a net worth ratio of 11.3.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.8 has resulted in Fair (4.4) profitability.
Asset Mix:
Consumer loans (29%), home mtgs (27%), other (44%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
1316 Kanawha Boulevard East
Charleston, WV 25301
Charleston, WV 25301
Phone Number
(304) 348-6648
NCUA Charter Number
Website
Largest Competitors
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV
Charleston, WV
